106 Broken Bit Cir, Guyton, GA 31312 Property Records

Effingham County property record for 106 Broken Bit Cir, Guyton, GA 31312

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,146 sqft · built 2013
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Dec 2021)
Tax Bill	$6,230 (2025)
Deeds & Mortgages	Mar 2015 Mortgage Aug 2013 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0416A-264-000`

Property Details

APN / Parcel Number

Primary APN	`0416A-264-000`
Alternative APNs	`0416A264` `13959`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	4,146 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2014
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Fiberglass
Lot Area	8,712 sqft (0.2 acres)
Garage Area	584 sqft
Porch	Slab
Porch Area	329 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13959
Street Address	106 BROKEN BIT CIR
City	GUYTON
State	GA
Zip	31312-7140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	.20 AC LT 264 OUT 416-20A
Legal Subdivision	SADDLECLUB @ BELMONT
Legal Lot Number	264
Jurisdiction	EFFINGHAM GA
Township / Civil Division	RINCON
Census Block Group	2
Census Block	2000
Census Tract	30301

Owner

Source: Effingham County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	904 DEVON CREEK RD, WINTER SPRINGS, FL 32708-4731
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2015	Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE
Aug 21, 2013	Deed of Trust, Mortgage · Conventional Mortgage SAVANNAH BANK
Dec 21, 2021	Warranty Deed, Transfer
Dec 21, 2021	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Oct 17, 2013	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2021 · Amount on Record
Deed Sale	Dec 21, 2021 · Amount on Record
Prior Sale	Feb 26, 2015 · Amount on Record
Deed Document Number	20214178
Deed Book / Page	2752 / 319
Record Updated	Oct 29, 2026

March 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	106 BROKEN BIT CIR, GUYTON, GA 31312-7140
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002280/708
Date	Mar 9, 2015
Book Page	2280/708
Instrument	001574

Lender

Name	FIRST GUARANTY MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2045

August 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM GA
Property Address	106 BROKEN BIT CIR, GUYTON, GA 31312-7140
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002208/777
Date	Aug 21, 2013
Book Page	2208/777

Lender

Name	SAVANNAH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 21, 2021
Property Address	106 BROKEN BIT CIR, GUYTON, GA 31312-7140
Document Number	002752/321
Book / Page	2752 / 321
Instrument Date	Dec 21, 2021
Instrument	2021-004188
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 BROKEN BIT CIR, GUYTON, GA 31312-7140
Investor	Possibly a Property Investor

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Dec 21, 2021
Property Address	106 BROKEN BIT CIR, GUYTON, GA 31312-7140
Document Number	002752/319
Book / Page	2752 / 319
Instrument Date	Dec 21, 2021
Instrument	2021-004178
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 BROKEN BIT CIR, GUYTON, GA 31312-7140
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015475
Date	Dec 21, 2021
Instrument	015475

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2013: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM GA
Recording Date	Oct 17, 2013
Property Address	106 BROKEN BIT CIR, GUYTON, GA 31312-7140
Document Number	002217/905
Book / Page	2217 / 905
Instrument Date	Oct 17, 2013
Instrument	2013-002558
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 BROKEN BIT CIR, GUYTON, GA 31312-7140

Mortgage

Document Number	002217/907
Date	Oct 22, 2013
Book Page	2217/907

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2043

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of December 22, 2025

Property Jurisdictions

Type	Name
State	Georgia
County	Effingham County
Unified School District	Effingham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$207,366 (+9.57%) Land $22,800 Building $184,566	$518,416 (+9.57%) Land $57,000 Building $461,416
2025	$6,230.00 (+3.11%)	$189,248 (-5.21%) Land $22,800 Building $166,448	$473,120 (-5.21%) Land $57,000 Building $416,120
2024	$6,042.00 (+10.72%)	$199,652 (+5.07%) Land $22,800 Building $176,852	$499,131 (+5.07%) Land $57,000 Building $442,131
2023	$5,457.00 (+9.58%)	$190,022 (+17.63%) Land $18,800 Building $171,222	$475,054 (+17.63%) Land $47,000 Building $428,054
2022	$4,980.00	$161,548 Land $18,000 Building $143,548	$403,870 Land $45,000 Building $358,870

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	2 (2002–2009)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2009 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 73% of Georgia
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Planters Rural Telephone Cooperative Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Broken Bit Cir

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